TD Bank is closed on Columbus Day

TD Bank observes Columbus Day as a federal holiday and closes all branches on that day. This means you cannot visit a branch location, use the drive-through, or speak with a banker in person. Online banking, ATMs, and mobile app access continue to work normally.

Columbus Day falls on the second Monday in October each year. In 2024, that is October 14. In 2025, it is October 13. If you need to handle banking on that day, plan to use digital channels instead of visiting a physical location.

Key Takeaways

  • All TD Bank branches close on Columbus Day, but ATMs and online banking remain available 24/7.
  • Columbus Day is the second Monday in October, so the exact date changes year to year.
  • If you need cash or in-person help, visit a branch the day before or the day after the holiday.
  • Checks and transfers you submit online or through the mobile app on Columbus Day will process when the bank reopens.
  • Your debit card and ATM card work normally on the holiday, even though branch locations are closed.

What you can still do on Columbus Day

Your TD Bank ATM card works on the holiday. You can withdraw cash, deposit checks using the mobile app's check deposit feature, and check your balance at any ATM in the TD network. ATMs operate around the clock, so you have access to your money whenever you need it.

Online banking through the TD Bank website or mobile app is available around the clock. You can transfer money between your own accounts, pay bills, send money to other people, and review transactions. These actions will process when the bank reopens on Tuesday morning. Your debit card also works at any merchant or online store, just as it would on any other day.

What requires a branch visit

Some tasks need a banker's help and cannot be done online or at an ATM. These include opening a new account, explore for a loan, discussing investment options, resolving disputes about transactions, getting a cashier's check, or replacing a lost debit card in person.

If you need one of these services, plan your visit for the business day before Columbus Day or the day after. Calling ahead to confirm hours is a good idea, since some branches may have different schedules around holidays. This gives you time to prepare any documents you might need and ensures someone will be available to help you.

How to find your branch hours

TD Bank's website has a branch locator tool. Enter your zip code or city, and it shows you the address, phone number, and hours for each nearby location. You can also call TD Bank customer service at 1-800-937-8372 to confirm whether your specific branch is open.

Some TD Bank locations inside grocery stores or other retail spaces may have different holiday schedules than standalone branches. The locator tool and a phone call will give you the most accurate information for your location. If you are unsure about a specific branch, a quick call takes only a minute and saves you a wasted trip.

Planning ahead for holiday weekends

Columbus Day is a federal holiday, so most banks close. If you know you will need cash or in-person banking around that time, withdraw what you need the day before. If you need to deposit a check, use mobile check deposit through the app instead of waiting for a branch visit.

Setting up bill pay and automatic transfers online means you do not have to visit a branch for routine payments. This is especially useful when holidays fall on a Monday, since you have the full weekend plus the holiday to plan. Many people find that automating these tasks removes the stress of remembering to visit a branch during business hours.

What happens to deposits and transfers on the holiday

If you deposit a check at an ATM on Columbus Day, it enters the system but does not post to your account until the bank reopens on Tuesday. The same is true for transfers you initiate online or through the app on the holiday — they are queued and process the next business day. This delay is standard for all federal holidays.

This matters if you are counting on funds arriving by a certain date. A deposit made on Columbus Day will not be available until Tuesday at the earliest. If you need the money sooner, deposit it on Friday or Saturday instead. For time-sensitive transactions, plan ahead and complete them before the holiday begins.

Other federal holidays when TD Bank closes

Columbus Day is one of several federal holidays when TD Bank branches close. New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas are also observed. Martin Luther King Jr. Day and Presidents' Day are observed as well. ATMs and online banking remain available on all of these days.

If you work with a regular banking schedule, marking these holidays on your calendar helps you plan ahead. Most of these holidays fall on Mondays, which means you often have a weekend to prepare. Knowing the pattern makes it easier to handle your banking before the branch closes.

Frequently Asked Questions

Can I use my TD Bank debit card on Columbus Day?

Yes. Your debit card works at any merchant, ATM, or online store on the holiday. The TD Bank branch is closed, but your card itself is always active. You can also use it to withdraw cash from any ATM in the TD network.

Will my automatic bill payments go through on Columbus Day?

Automatic payments you have set up will process on their scheduled date, even if that date is Columbus Day. The bank processes these in the background. If a payment is due on the holiday, it will go out that day or the next business day depending on the merchant.

What if I need emergency cash on Columbus Day?

Use an ATM to withdraw cash. TD Bank ATMs are available 24/7, and you can also use ATMs from other banks, though you may pay a fee. If you do not have a debit card, you will need to wait until a branch reopens to access your money.

Are TD Bank customer service lines open on Columbus Day?

TD Bank's phone support may have reduced hours on the holiday. Call 1-800-937-8372 to check, or use the mobile app or website to handle routine questions and transactions without waiting for a representative.

Can I deposit a check on Columbus Day using the mobile app?

Yes. Mobile check deposit works 24/7 through the TD Bank app. The check image is submitted on Columbus Day, but the funds will not post to your account until the bank reopens on Tuesday morning.